863-578-4580

they are pretending that i am a criminal.

They called and left a message on my vmail asking if I knew a old co-worker saying they were a legal office. When I finnaly got thru to a real person they asked if I knew the person and said no one will contact you and hung up!

A person calls my number repeatedly trying to convince me that I am a criminal and there is a legal matter against me.

Just received a message from a Jenny telling me that she is from the Dept of Law and Investigation (ha ha).  I should call (or my legal rep) ASAP and do not wait or bad things will happen to me.  She goes on to say do not ignore this call but if I do, she can only wish me good luck.  

Very thick Indian accent.  Third time in an hour that she called.  The first two I think that she forgot to leave the phone number and her "quality control" department (yeah, the other guy there) reminded her.

I have gotten these types of messages over the past couple of years.  If you call them (which I plan to do) they will be downright rude to you.  They give you no details but do have your personal info.  I suspect they get the info from applications submitted to get a payday loan.  Do not entertain them!

They are criminals. DO NOT RESPOND TO THEM! They called my son and said an old roommate put him down for a reference on a loan. The person defaulted on the loan. They told my son because he is listed as a reference he was obligated to pay the loan. This is I am assuming some sort of Hi pressure BS collection agency or something. When you call they will not tell you the name of the company.

Protect yourself! Important information you must read – how the scam works and what agencies to report them to.

Long running and known scam – all over internet and news for 2 years now.


Fake debt collectors – terrorizing consumers.

http://abcnews.go.com/Business/story?id=5621205&page=1

Read this article......same thing over and over across the internet.

http://abcnews.go.com/Business/story?id=5621205&page=1

These people called saying that I owe them money for something that I have no knowledge of. They then went on to ask me if I am a [***]. I didnt entertaint this but was very disgusted. What should I do? What can I do? i would like to prosecute these people to the fullest extent of the law. Help!!! this is the number they called from  +863 578 4580
I

For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan.  The callers will claim to be calling on behalf of an attorney's office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:

United Legal Processing Division
Midline Marketing
Crime Monitoring Services
Monetary Crime Division
U.S. National Bank
Attorney General’s Office (usually in California)
American Legal Services
Affidavit Consolidation Services (ACS)

You will be threatened with arrest, a costly trial and possibly worse.  In no shape, way or form can you be arrested for non-payment on a consumer debt.  Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.  

Who are they?

In the past when pressed by law enforcement for an address, the callers have provided the following information:

David Morgan and Associates
Morgan & Associates
Morgan Associates
954-727-8481
1155 Northwest 85th Street
Wintergarden, Florida  33150
(Address is likely invalid)

The collector's MO matches a once legit collections agency called Ellis Crosby & Associates.  Here are some links on them:

http://www.budhibbs.com/collectorpages/ellis_crosby_and_associates.htm
http://www.budhibbs.com/collectorpages/EllisCrosbyJudgment.pdf

They have been previously fined over $1.3 million for various violations.  They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.  

The last time this group went by any "official" name was back in 2008:

Ellis Crosby & Associates / Douglas & Morgan Associates
4494 Southside Boulevard Suite #200
Jacksonville Florida 32216
Phone:  800-928-3536 / (904) 928-3536
(Address is likely invalid)

There are NUMEROUS consumer alerts out against this group of individuals:

Florida:
http://jacksonville.com/tu-online/stories/061107/met_176207561.shtml

Kansas:  
http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html

Colorado:  
http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_orig

Rhode Island:  
http://www.collectionscreditrisk.com/news/rho ... -3002135-1.html

West Virginia:
http://www.wvago.gov/internetloanscam.cfm

Missouri:
On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.  

"..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit.  The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver's family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.

Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives.  Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at 866-362-6422."

Bottom line:

Do not supply the callers with any additional information.  Inform them you have reported them to law enforcement and hang up.  If you haven't already, go ahead and report the calls to local law enforcement, your state's Attorney General and beyond.  Look up the local Secret Service branch's information in your area and get in contact with an agent there.  

If you ever applied for a cash advance online, your information is out there.  
Possible sources for the breach of your privacy are:

* The scammers obtained your information from Teletrack - a reporting agency used by many cash advance lenders to determine their risk lending to you.  The service is able to tell cash advance lenders if you have existing loans with other companies, for example.  Many state laws prohibit borrowers from having more than two cash advances out at the same time.

* The scammers created their own fake payday loan application site.  People looking for a cash advance went to the site and applied, thus freely providing the scammers with their information for malicious use at a later time.  

* The scammers were able to get into the database(s) of cash advance lenders - probable targets being Sonic Payday and Cashnet USA.  


How to protect yourself:

* Inform your employer.  You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously.  Advise the callers that they are no longer allowed to call you at work.  If they continue to call, document the date and time of the calls you received.  Save voice mails left if at all possible.  

* Change your number(s).  For some this may not be an option, for others a one-time number change can be done free of charge.

Be advised - any references you listed on your payday loan application will be contacted.  Let those people know that this is a scam, and they can disregard.

* Use Google Voice.  Google Voice is a great replacement voice mail system for just about any phone number you use.  Messages can be transcribed and voice mail recordings can be saved as mp3 files.  

Pro Tip - call the scammers with a Google Voice number before turning off your old phone numbers.  Make sure when you call you identify yourself so they can start up their script.  At any point after they have your information pulled up just hang up.  They will then start religiously calling your Google Voice number.  At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again.  (And laugh at the fact these people are basically talking to a brick wall several times a day)

The scammers change their numbers frequently.  Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it's simply to evade detection by savvy consumers online.  With the proliferation of VoIP, it's even easier for the crooks to stay a couple of steps ahead of law enforcement.  Below is just a sampling of the 30+ numbers that have been used in recent memory.

1-201-244-7722
1-209-349-7382
1-209-797-2212
1-212-500-0839
1-213-256-0408
1-213-995-3039
1-281-763-0433
1-347-289-3902
1-347-844-6817
1-347-844-6831
1-424-354-4270
1-516-232-8905
1-516-232-8935
1-518-212-0219
1-561-300-8018
1-561-210-4185
1-626-200-4646
1-631-456-4041
1-646-274-1143
1-646-810-8635
1-650-241-4604
1-707-401-4056
1-707-633-2789
1-708-401-0535
1-716-442-2824
1-717-862-4080
1-718-705-8669
1-760-514-0132
1-760-563-5384
1-772-318-4938
1-850-201-1111
1-858-777-1977
1-859-908-2281
1-866-860-4509
1-877-226-7488
1-888-706-7463
1-888-771-9249
1-888-785-4479
1-909-327-4870

So can they really do anything to you?

It's not a simple yes or no answer.  Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.  

So, why haven't they?  

Authorization.  

Why do you think you are being called so much?  Perhaps it is because they like the sound of your voice?  No, they have to have your authorization to take any form of payment from you, period.  The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past.  Most of those people they call couldn't afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.

Furthermore, they don't even really want to talk to your attorney - that just sounds official and scary enough.  A real attorney would take the callers to task and write them off as two-bit con artists.  The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe.  Go ahead, ask them for proof you owe the debt - more commonly known as verification of debt.  See what they say.  A phone authorization carries very little weight, so if they have something signed by you on file, you are done for - and the callers know that.  That authorization is the only thing these callers are doing by the book, and for good reason.  If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution.  In about 7-10 business days, you would get the funds returned to your account.  Then the scammers would be up against a bank and their team of lawyers and investigators.  

Bottom line:

If you haven't paid the callers a dime, don't.  If you planned on paying them to shut them up, just don't.  Remember - you are not being contacted by a legally licensed, ethically owned and operated collector.  Read up on the FDCPA - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf - and know your rights.

https://800notes.com/Phone.aspx/1-646-274-1143/3

these all r blood [***]............

they tell that they are from law firm and they are not they are cheaters let me aware all off you that they
are just blood indians calling for money

These people called harassing my parents then me when I told them they could mail the info and I would be happy to look at it they told they would have me arrested in 48 hours, when I told them I would just call my uncle who is with the FBI(really) guess what.....they hung up, in short they are a bunch of liars. They have to notify you by mail not email if you have a legal matter and they can't arrest you for it there is no debtors prison in theUS!!!!

I have been receiving this phone call many times in a day. They are calling me at work and i have told them to stop calling.

This person, Mr. White has called me 3 to 4 times a day. He is saying that they are a legal office and have my attorney call them. That if I don't I will face consequences. He has an accent and is definately not from a legal office. When the call is made you hear a lot of people in the background. This person even called my sister, same man. We don't know him. I have had similar calls 2 years ago and my attorney said it is a money scam.

this number has been calling me and telling me that they are from the attorney generals offfice or the FBI and wanting my lawyers name. then they get on the phone and start asking me what color my bra and panities are and if I give [***]. Whats that about??? They aren't asking me for money. WIERD!!!

Guy called today with a very thick foreign accent. He told me that my brother committed financial fraud and was in a lot of trouble. He gave me his call back number at 863-578-4580. I immediately "Googled" the number and came right to this site. Thanks to everyone who has posted on these people. I called my brother and parents to warn them.

got call today. so did my brother. called this back and got a foreign man. he asked for my telephone number, then my account number and my ssn. he then told me i got a payday loan and i now owe $5600 and payment needs to be paid today. he warned me that if i didnt pay it, we would be in court monday morning. gee, Monday is a national holiday here in the USA. im not sure about whatever country he was from. i then informed him i checked this website and found all the warnings and even pulled up the Colorado Attorney Generals office warning about the same tn.

he started screaming in arabic. called me a motherf*****, said i am an ignorant American [***] and hung up. i dialed back and got the same man, again called me a [***] and hung up. i dialed back one more time and got the same man. he started baby talking and going "la la la la" that went on for about 5 minutes before he stopped and listened for a few seconds before hanging up.

i havent laughed so hard in my life. i wish i would have recorded the entire thing. everyone should have heard it. it was beautiful....

A guy with a thick foreign accent left a msg on my machine, telling me that 'I am in a legal' mess, that he was from 'dispute resolution center, dept. of law and investigations' that I commited a fraud and that I had to call him and If I didn't ' wish me good luck as the situation unfolds upon me' Don't respond to those scamsters, unless to inform them that you have contacted the authorities about their extortion racket.

I got a call from this number, they have also been calling my sister-in-law, who I used as a reference
when I tried to get a loan. I guess I am in a lot of trouble, not paying back that loan I never took out.
Very thick accents, and when you call back, the message has no business name on it! Shoddy scamming!

received a call last week from an indian sounding guy who said he was issuing a warrant for my arrest for a 300 loan that i took out back in oct 2007.  after i got off the phone i called my bank and had them pull up my deposit history for that time period and of course there were no unusual deposits into my account.  i called the man back and he said he was with the dept of law and investigation and i asked with what organization and he said the attorney generals office and i said no way does the attorney generals office have some indian dude issuing arrest warrants for a 300 loan and told him i wanted to talk to his supervisor and he said sure but put me on hold and hung up on me.  received another voicemail today from a jennifer garcia, who also sounds indian by the way, and i hope i'm there to answer the phone tomorrow so i can talk in an indian accent and tell her i'm jennifer lopez lol